AAA vs. Texas Farm Bureau: Which Company is the Best Fit for You?

How do AAA and Texas Farm Bureau compare when it comes to insurance rates and discounts? If you want to find out which company has the best prices for your unique profile, check out our latest guide below.
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Quick Facts

  • Looking at the national averages for auto insurance, Texas Farm Bureau offers significantly less expensive premiums than AAA
  • AAA offers more discounts than Texas Farm Bureau Insurance
  • Texas Farm Bureau has cheaper prices for policyholders who live in the suburbs

AAA vs. Texas Farm Bureau: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to AAA or Texas Farm Bureau for your next policy, but which one will save you the most?

AAA Texas Farm Bureau

Looking at the national average rates for both companies, AAA has average rates that are about 55% per month more expensive than those from Texas Farm Bureau.

But that doesn't necessarily mean Texas Farm Bureau will be the more affordable option for every single driver. After all, insurance carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your credit score, your driving record, or even your age (among other things), so premiums will change quite a bit from person to person.

Wanting to know if AAA or Texas Farm Bureau is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

AAA or Texas Farm Bureau: Average Car Insurance Rates by State

State AAA Texas Farm Bureau

AAA and Texas Farm Bureau only compete against each other in Texas, where Texas Farm Bureau offers the cheaper average premiums. For Texas residents, Texas Farm Bureau offers auto insurance for $139 a month on average. AAA's average prices come out to be over 20% more expensive, at $179 monthly.

But there's more to calculating car insurance rates than just where you live. Read on to find out more.

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Which is the Best Company For Young Drivers?

AAA Texas Farm Bureau
18-year-old drivers$689$237
25-year-old drivers$276$148

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers out there on the road. That's usually because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance prices. For example, 18-year-old drivers pay an average of more than $450 less a month by choosing Texas Farm Bureau over AAA.

Even so, both companies will offer you dramatically lower rates by the time you turn 25. Texas Farm Bureau offers the steepest reduction, with 25-year-olds paying a third less what 18-year-old drivers are charged. AAA's average prices drop nearly 60% during that same period.

Which is the Best Company for Retired Drivers?

AAA Texas Farm Bureau
65+-year-old drivers$238$102

Drivers around retirement age typically enjoy some of the cheapest car insurance rates you'll ever find. After all, they've likely been driving for quite some time, which normally reduces their chances of accidents and other infractions that can increase premiums.

So, which company offers the best prices to retired drivers? Texas Farm Bureau gets the edge, with rates for drivers 65 and older $136 less expensive than the national average for AAA.

Which is the Best Company for Married Drivers?

AAA Texas Farm Bureau

You may not be aware, but auto insurance premiums tend to be cheaper for married couples than they are for those who are single. That's generally because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Texas Farm Bureau is the clear winner for single policyholders, with prices around $205 per month more affordable than AAA, on average. The advantage for married drivers with Texas Farm Bureau is also obvious, where drivers save over 55% a month.

AAA vs. Texas Farm Bureau: Average Rates by Gender

AAA Texas Farm Bureau

Did you know men tend to pay more for insurance than women? This is because men are statistically more likely than women to get speeding tickets and get into accidents, which leads to increased risk for insurers and, therefore, higher rates.

Generally, men see premiums more than 10% per month higher with AAA, and over 10% with Texas Farm Bureau.

When it comes to the most affordable prices for each gender, Texas Farm Bureau comes out as the lowest option for both genders, with average rates $183 less for men and $166 cheaper for women.

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AAA or Texas Farm Bureau: Compare State Minimum vs. Full Coverage Rates

AAA Texas Farm Bureau
State Minimum*$169$87
Full Coverage**$459$192

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, car insurance can be pretty complicated. Everyone needs insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages in addition to what you get with liability coverage).

If you're looking for state minimum limits for liability insurance, Texas Farm Bureau usually offers significantly cheaper premiums of $87 compared to AAA's $169. When it comes to full coverage policies with similar limits, Texas Farm Bureau again has the edge, with policies about $250 a month less expensive than AAA, on average.

Is AAA or Texas Farm Bureau Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and collisions on your record, but which of these two carriers offers the most affordable rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

AAA Texas Farm Bureau
Clean Record$213$71
1 Speeding Ticket$299$71

Drivers with Texas Farm Bureau auto insurance policies don't report seeing their prices increase after getting a ticket, but AAA policyholders can expect to see their monthly bill increase by around a third.

However, Texas Farm Bureau is generally the more affordable option for drivers both with clean records and with a ticket. Drivers with a clean record can save about $142 per month with Texas Farm Bureau Insurance, and the same can be said for those with a speeding ticket, too.

Which Company is Best for Drivers After an Accident?

AAA Texas Farm Bureau
Clean Record$213$71
1 At-Fault Accident$339$114

AAA policyholders who get in a collision can expect to see their premiums climb by over 35%, while those who have insurance through Texas Farm Bureau will see around a 40% increase.

Overall, drivers who use Texas Farm Bureau end up with the cheaper prices after an accident, with monthly prices averaging $114 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

AAA Texas Farm Bureau
Clean Record$213$71
1 DUI$403$300

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your insurance bill. For example, Texas Farm Bureau increases average premiums by just under $250 a month -- that's over a 75% increase.

If you have a DUI on your record and are looking for more affordable rates, Texas Farm Bureau tends to be the much less expensive option with average prices of $300 per month compared to $403 from AAA.

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How does Credit Score Impact AAA and Texas Farm Bureau Rates?

You may not realized it, but your credit score can be used as one of the factors to calculate your monthly car insurance premiums. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of drivers.

Auto insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking at AAA and Texas Farm Bureau specifically, which company has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

AAA Texas Farm Bureau
Excellent Credit Score$185$61
Good Credit Score$247$108

If you have great credit, you'll usually find a better deal with Texas Farm Bureau. Drivers with "excellent" credit can save more than 65% compared to AAA, and those with "good" scores can also expect to see savings -- about $139 or 56% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

AAA Texas Farm Bureau
Fair Credit Score$304$147
Poor Credit Score$539$242

Texas Farm Bureau typically offers lower premiums than AAA when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $157 per month less with Texas Farm Bureau compared to AAA, and those with "poor" scores normally save an average of about $297 monthly.

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Is AAA or Texas Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

AAA Texas Farm Bureau
6,000 Annual Miles$307$139
12,000 Annual Miles$320$139

Did you know that the amount of time you spend in your car have a big impact on your monthly insurance bill? That's because the fewer miles you put on your vehicle each year, the less likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Texas Farm Bureau charges. However, there's a small difference in monthly prices for AAA, with drivers who put 6,000 miles on their car yearly paying around $13 less every month compared to those who drive 12,000 miles annually. Still, Texas Farm Bureau is the cheaper option for drivers in both categories.

AAA vs. Texas Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a large impact as well. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

AAA Texas Farm Bureau
Urban Areas$384$158
Suburban Areas$301$128
Rural Areas$256$132

Texas Farm Bureau boasts the cheapest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to pay about $132 per month with Texas Farm Bureau and $256 with AAA. Drivers in suburban ZIP codes pay around $128 with Texas Farm Bureau compared to AAA's $301 a month. In urban areas, Texas Farm Bureau's average prices are about $158 while AAA offers rates around $384.

AAA vs. Texas Farm Bureau Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

In the section below, we've compared all of the different discounts offered by AAA and Texas Farm Bureau so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

AAA Texas Farm Bureau
AAA Discount 
Academic Discount
Advance Quote Discount 
Anti-Theft Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount 
Driver Training Discount
DriveSharp Discount 
EFT Discount 
Employee Discount 
Garage Discount 
Good Driving Discount
Good Student Discount 
Group Discount 
Homeowner Discount 
Hybrid Vehicle Discount 
Mature Driver Discount 
Military Discount 
Mobile Home Policy Discount 

AAA knocks Texas Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 33 different discounts to Texas Farm Bureau's six.

A couple of those are overlapping for things like academic discounts, discounts for getting driver training, and discounts for insuring multiple cars with the same company. AAA also offers AAA discounts, advance quote discounts, anti-theft discounts, and more that Texas Farm Bureau does not.

Texas Farm Bureau's discounts come through just a few categories, including Academic, Driver Training, Good Driving, and more.

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Final Thoughts: Is AAA or Texas Farm Bureau Best for You?

So, we've broken down the average prices for many of the variables auto insurance carriers look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, is AAA or Texas Farm Bureau the right carrier for you and your specific driver profile?

Texas Farm Bureau might be best for you if....

  • You're worried about the impact your credit score will have on your premiums.
  • You're looking for more protection with "full coverage" car insurance.
  • Your neighborhood is in a rural area.

AAA might be best for you if...

  • You're looking for discounts -- Aaa has the most.

We hope this guide has ben a valuable resource as you compare AAA and Texas Farm Bureau and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just AAA and Texas Farm Bureau. Luckily, sites like do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

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AAA vs. Texas Farm Bureau FAQs

Is AAA or Texas Farm Bureau cheaper?

Looking just at the national average prices, Texas Farm Bureau is the less expensive of the two companies, offering average rates of $139 a month compared to $314 for AAA. Even so, Texas Farm Bureau won't necessarily be the most affordable company for each policyholder, since there are several different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, AAA or Texas Farm Bureau?

Sadly, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for every driver -- it all comes down to what your unique auto insurance profile looks like.

Why do AAA and Texas Farm Bureau offer me different rates?

Car insurance carriers take a look at quite a few different variables when calculating the premiums they charge policyholders. Things like age, where your home is, your driving record, gender, and sometimes even things like your credit score can all be used. Both AAA and Texas Farm Bureau calculate rates differently, so each one will most likely offer different premiums. The only real way to see which company is the lowest for you is by comparing personalized quotes from a variety of different companies.

How do I know if AAA or Texas Farm Bureau is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be AAA or Texas Farm Bureau at all!


All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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